North Dakota Car Insurance Calculator
Numbers refreshed
Three questions total, and no name, email or phone. Already set: the North Dakota average.
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What's the age of the main driver?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Averages used for the North Dakota estimate
The calculator uses NAIC averages for North Dakota as its base, then factors in age, driving record and the car.
| Coverage in North Dakota | Per year | Per month |
|---|---|---|
| Liability | $372 | $31 |
| Collision | $364 | $30 |
| Comprehensive | $341 | $28 |
| Full coverage (all three) | $1,078 | $90 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The way the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
First written